Fajar Ramdhani

Background

About Fajar Ramdhani

I am a data-driven banking & fintech strategist with a proven track record of designing and scaling AI-assisted CRM and growth initiatives for Credit Card, loan/lending, paylater, and insurance products. With a sharp focus on monetizing customer lifecycle stages, I drive high-impact automation strategies using behavioral scoring, WhatsApp bots, and omnichannel campaigns. My experience spans across top-tier fintechs, and I specialize in bringing together customer insight, product strategy, and AI-based automation to unlock revenue from dormant and underutilized user segments. In my career, I have successfully: 1. Enhanced CRM strategies at Home Credit, improving customer lifecycle management, achieving 18%+ MoM uplift in customer retention conversion (pilot vs. control), and reactivating dormant customers with 8.3%+ MoM conversion rates, boosting Customer Lifetime Value (LTV) by 36% all lending product (Cash Loan, POS Offline Loan, Paylater, & Insurance). Optimized revenue growth by designing data-driven customer segmentation strategies, driving a 36%+ YoY increase in ShopeePay, Shopee PayLater, and ShopeeFood revenue. Expanded digital financial services by executing targeted ShopeePay, Shopee PayLater, and ShopeeFood growth strategies, resulting in >23% MoM customer retention and a 2.4x MoM surge in transaction volume. Increased ARPU by 215% at LinkAja through advanced segmentation and personalized engagement, significantly improving customer retention and reducing the promotion cost ratio from 1.3x to 0.1x via CVM-driven user segmentation. Led cross-functional teams to develop omnichannel marketing campaigns, enhancing customer engagement and driving higher conversion rates. My expertise in revenue growth, digital financial products, and customer lifecycle management aligns perfectly with this role. I excel in transforming data into actionable strategies that enhance brand loyalty, drive customer engagement, and maximize monetization opportunities.